The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$14,158
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,599
−HK$447/mo
Today · 4.125%
HK$15,046
baseline
▲ 0.50% · 4.625%
HK$15,962
+HK$916/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,092/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,751
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,173
−HK$429/mo
Today · 4.125%
HK$16,602
baseline
▲ 0.50% · 4.625%
HK$17,477
+HK$875/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,204/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,990
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,518
−HK$537/mo
Today · 4.125%
HK$18,055
baseline
▲ 0.50% · 4.625%
HK$19,154
+HK$1,099/mo
Deposit HK$2.48M · loan HK$3.73M · min. income ≈ HK$36,110/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,901
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,408
−HK$514/mo
Today · 4.125%
HK$19,922
baseline
▲ 0.50% · 4.625%
HK$20,972
+HK$1,050/mo
Deposit HK$2.48M · loan HK$3.73M · min. income ≈ HK$39,844/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,821
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,438
−HK$626/mo
Today · 4.125%
HK$21,064
baseline
▲ 0.50% · 4.625%
HK$22,346
+HK$1,282/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$42,128/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,051
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,643
−HK$599/mo
Today · 4.125%
HK$23,242
baseline
▲ 0.50% · 4.625%
HK$24,468
+HK$1,226/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$46,484/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,485
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,277
−HK$806/mo
Today · 4.125%
HK$27,083
baseline
▲ 0.50% · 4.625%
HK$28,731
+HK$1,648/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$54,166/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$155,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,351
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,112
−HK$771/mo
Today · 4.125%
HK$29,883
baseline
▲ 0.50% · 4.625%
HK$31,458
+HK$1,575/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$59,766/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$155,903 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).